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    • Dreamer80
    • By Dreamer80 17th Apr 19, 10:54 PM
    • 60Posts
    • 235Thanks
    Additional Employment during IVA help.
    • #1
    • 17th Apr 19, 10:54 PM
    Additional Employment during IVA help. 17th Apr 19 at 10:54 PM

    My husband and I have recently entered into a joint IVA with Stepchange. All payments are coming from his salary.
    Due to ill health and family commitments, I have been unable to work for the past few years.
    I am hoping to be able to return to employment within the next 12 months.
    My question is, will I be permitted to keep a portion of any potential earnings or will Stepchange expect all to be paid into our IVA?
    Thankyou in advance
Page 1
    • sourcrates
    • By sourcrates 19th Apr 19, 12:11 PM
    • 17,415 Posts
    • 16,418 Thanks
    • #2
    • 19th Apr 19, 12:11 PM
    • #2
    • 19th Apr 19, 12:11 PM
    You will have to re-budget wont you.

    Only disposable income goes towards IVA payments, if you start work again, your expences will go up in line with that, for example, more fuel/wear and tear on the car, or public transport costs, clothes for work, lunches, etc etc etc.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".

    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to Any views expressed are mine and not the official line of

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    • PrettyKittyKat
    • By PrettyKittyKat 27th Apr 19, 5:20 PM
    • 1,163 Posts
    • 1,009 Thanks
    • #3
    • 27th Apr 19, 5:20 PM
    • #3
    • 27th Apr 19, 5:20 PM
    Was there anything written into your proposal about what would happen if you went back to work?

    Were there any modifications related to you returning to work? Or an increase in disposable income?

    You would need a complete I&E review if you did return as your outgoings would change also. It is likely that you would need to increase your payments by 50% of the increase in DI, as long as your proposal or mods don't say otherwise!
    • semikie123
    • By semikie123 18th May 19, 12:24 PM
    • 2 Posts
    • 0 Thanks
    • #4
    • 18th May 19, 12:24 PM
    • #4
    • 18th May 19, 12:24 PM
    This should have been stated in your paperwork, mine states the amount I am allowed to earn PA before informing Step Change If I earn more I think they take 60%
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